100+ Free CISR Commercial Casualty I Practice Questions

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Under the ISO Commercial General Liability Coverage Form (CG 00 01), Coverage A insures against which of the following?

Bodily injury and property damage caused by an occurrence

Personal and advertising injury offenses

Reasonable medical expenses regardless of fault

Professional services rendered by a licensed practitioner

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2026 Statistics

Key Facts: CISR Commercial Casualty I Exam

30%

Coverage A weighting

CISR Commercial Casualty I outline

Course exam questions

Risk & Insurance Education Alliance

70%

Passing Score

National Alliance CISR program

$295

Per Course

Published Alliance pricing

60 days

Basic ERP claim-reporting window

ISO claims-made CGL

5 of 9

Courses for CISR designation

National Alliance

CISR Commercial Casualty I is a CGL-focused course (~$295) ending in a 50-question, 1-hour exam requiring 70% to pass. It zeroes in on Coverage A bodily injury and property damage, Coverage B personal & advertising injury, Coverage C medical payments, occurrence vs claims-made triggers with retroactive dates and ERPs, and the ISO additional-insured endorsements (CG 20 10, CG 20 37). It counts as one of any five CISR courses needed for the designation.

Sample CISR Commercial Casualty I Practice Questions

Try these sample questions to test your CISR Commercial Casualty I exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under the ISO Commercial General Liability Coverage Form (CG 00 01), Coverage A insures against which of the following?

A.Bodily injury and property damage caused by an occurrence

B.Personal and advertising injury offenses

C.Reasonable medical expenses regardless of fault

D.Professional services rendered by a licensed practitioner

Explanation: Coverage A of the CGL is the bodily injury and property damage liability insuring agreement. It applies only to BI or PD that is caused by an 'occurrence' that takes place in the coverage territory during the policy period (or during the retro/policy period on a claims-made form).

2How does the unendorsed CGL define 'occurrence'?

A.Any unintentional act by the named insured

B.An accident, including continuous or repeated exposure to substantially the same general harmful conditions

C.Any sudden and accidental discharge of pollutants

D.A claim that is first made against the insured during the policy period

Explanation: The CGL defines 'occurrence' as an accident, including continuous or repeated exposure to substantially the same general harmful conditions. The continuous-exposure language is critical — it allows long-tail claims to attach to the policy in force when the harm occurred.

3Which of the following is NOT a hazard generally covered under CGL Coverage A?

A.Premises and operations hazard

B.Products-completed operations hazard

C.Contractual liability assumed in an insured contract

D.Errors and omissions in rendering professional services

Explanation: The CGL covers premises-operations, products-completed operations, and contractual liability assumed in an 'insured contract.' Professional E&O is excluded and must be insured under a separate professional liability policy.

4An installer leaves a job site after completing a roof. Two weeks later the roof leaks and damages the customer's inventory. Which CGL hazard is triggered?

A.Premises and operations hazard

B.Products-completed operations hazard

C.Fire legal liability hazard

D.Personal and advertising injury hazard

Explanation: Once the work is put to its intended use and the contractor has left the site, any resulting injury or damage falls under the products-completed operations hazard, which is subject to the separate Products-Completed Operations Aggregate.

5Which CGL exclusion eliminates coverage for bodily injury that the insured 'expected or intended from the standpoint of the insured'?

A.Workers compensation exclusion

B.Expected or intended injury exclusion

C.Pollution exclusion

D.Liquor liability exclusion

Explanation: Exclusion a — Expected or Intended Injury — bars coverage for BI or PD that the insured expected or intended. There is a narrow exception that preserves coverage for BI resulting from the use of reasonable force to protect persons or property.

6Which of these contracts is generally an 'insured contract' under the CGL?

A.An indemnity agreement in which the insured assumes another party's tort liability for BI or PD

B.An employment contract with one of the insured's officers

C.A real-estate sales contract assigning environmental liability

D.A licensing agreement that assumes IP infringement liability

Explanation: An 'insured contract' typically includes leases of premises, sidetrack agreements, easements/licenses (except in connection with construction within 50 feet of a railroad), elevator maintenance agreements, municipal indemnities, and Part 6 — that part of any other contract pertaining to the insured's business under which the insured assumes the tort liability of another party.

7Which CGL exclusion responds first to an employee's on-the-job injury claim against their employer?

A.Pollution exclusion

B.Workers compensation exclusion and the employer's liability exclusion

C.Auto exclusion

D.Damage to property exclusion

Explanation: The CGL contains two related exclusions: Workers Compensation (any obligation under WC, disability, unemployment laws) and Employer's Liability (BI to an employee arising out of employment or any consequential BI to that employee's family). Together they push employee injury claims to the WC/employers liability policy.

8The CGL's pollution exclusion applies broadly, but limited coverage may still exist for which of the following?

A.Cleanup demanded by the EPA at the insured's owned premises

B.BI from heat, smoke, or fumes from a hostile fire

C.Gradual seepage of fuel oil into the soil under the insured's plant

D.Costs to test for contamination of the insured's own product

Explanation: The pollution exclusion preserves coverage for BI or PD arising out of heat, smoke, or fumes from a 'hostile fire' (a fire that breaks out from where it was intended to be or spreads to where it was not intended to be).

9Which loss is excluded by the CGL aircraft, auto, or watercraft exclusion?

A.Slip and fall in the insured's parking lot

B.BI caused by the insured's employee while driving a company truck

C.Property damage from a forklift used at the loading dock

D.BI to a customer struck by a falling display rack

Explanation: The aircraft, auto, or watercraft exclusion eliminates coverage for BI/PD arising from the ownership, maintenance, use, or entrustment of any auto. Auto liability must be insured under a business or commercial auto policy.

10The CGL excludes 'property damage to your work' arising out of it or any part of it. What is the typical exception to this exclusion?

A.Damage caused by the named insured's owners or officers

B.Damage to your work performed by a subcontractor on your behalf

C.Damage caused by the use of mobile equipment

D.Damage that occurs while operations are still in progress

Explanation: Exclusion l — Damage to Your Work — does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. This is the well-known 'subcontractor exception.'

About the CISR Commercial Casualty I Exam

CISR Commercial Casualty I is the first of two casualty courses in the National Alliance CISR program. It is a CGL deep dive — Coverages A, B, and C, the occurrence vs claims-made trigger, ERPs, and the ISO endorsements (additional insured, other insurance) that producers see every day on commercial accounts.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$295 per course (Risk & Insurance Education Alliance)

CISR Commercial Casualty I Exam Content Outline

30%

CGL Coverage A — BI/PD

Bodily injury and property damage insuring agreement, occurrence trigger, premises-operations and products-completed operations hazards, and key Coverage A exclusions

15%

CGL Coverage B — Personal & Advertising Injury

Defined offenses (libel, slander, false arrest, malicious prosecution, wrongful eviction, copyright/slogan infringement) and Coverage B exclusions

10%

CGL Coverage C — Medical Payments

No-fault medical expense coverage ($5K-$10K typical), reporting timeframes, and ineligible classes such as employees and tenants

15%

CGL Definitions, Insureds & Conditions

Who is an Insured (Section II), defined terms, supplementary payments, duties after loss, and Other Insurance condition

15%

Occurrence vs Claims-Made (Retroactive Date, ERP)

Trigger comparison, retroactive dates, basic and supplemental Extended Reporting Periods, tail vs nose coverage

10%

CGL Endorsements (Additional Insured, Other Insurance)

ISO additional-insured forms CG 20 10, CG 20 37, CG 20 33, CG 20 38 and amendments to the Other Insurance condition

Producer Conduct

Agent/broker duties, E&O exposure, documentation standards, and ethical responsibilities in commercial casualty placement

How to Pass the CISR Commercial Casualty I Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $295 per course

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CISR Commercial Casualty I Study Tips from Top Performers

1Memorize the CGL Declarations limits — Each Occurrence, General Aggregate, Products-Completed Operations Aggregate, and Personal & Advertising Injury

2For Coverage B, be able to recite the seven defined offenses cold; many exam questions test whether a scenario is a Coverage A or Coverage B claim

3Build a one-page chart comparing occurrence vs claims-made, including retroactive date, basic ERP, and supplemental ERP rules

4Know the most common ISO additional-insured forms by number — CG 20 10 (ongoing operations), CG 20 37 (completed operations), and the CG 20 33/CG 20 38 blanket forms

5Walk through the CGL exclusions in order so 'expected/intended,' 'workers compensation,' 'pollution,' and 'damage to your work/your product' become automatic

Frequently Asked Questions

What does CISR Commercial Casualty I cover?

It is a CGL deep dive — Coverages A (BI/PD), B (Personal & Advertising Injury), and C (Medical Payments), plus the occurrence vs claims-made trigger with retroactive dates and ERPs, and the most common ISO additional-insured endorsements.

How is Commercial Casualty I different from Commercial Casualty II?

Commercial Casualty I focuses entirely on the CGL (CG 00 01) policy form. Commercial Casualty II covers business auto, workers compensation, and excess/umbrella liability.

What is the passing score and exam format?

The course exam is 50 multiple-choice questions in 1 hour, and you need 70% to pass. It is delivered at the end of the one-day classroom or webinar course.

How much does the course cost?

Published pricing for CISR Commercial Casualty I is around $295, which includes the course materials and one exam attempt. Pricing varies slightly by provider and format.

Is occurrence-form or claims-made-form coverage on the exam?

Both are heavily tested. Expect questions on the occurrence trigger, retroactive dates, basic ERP (60 days plus a 5-year discovery clause), supplemental ERP (unlimited time, requires premium), and tail vs nose coverage.

Does Commercial Casualty I count toward the CISR designation?

Yes. It counts as one of any five CISR courses required to earn the CISR designation; candidates have three calendar years to complete all five courses.